Home improvement loan lenders in Merced County, California
Fat Boy Data analyzed home improvement loan activity in Merced County, California to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 1,322 applications were decided by 91 lenders between 2023 and 2025.
Merced County at a glance
How Merced County compares
What the data shows
Merced School Employees Federal Credit Union made the most home improvement loans in Merced County, CA, 114 of them.
Merced School Employees Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 93% of 126.
The typical home improvement loan here is $75K, 35% smaller than the California typical of $115K.
No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in Merced County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Bank of America, National Association | 36% | 66 / 185 | 95% | $75K | 63 |
| 2 | Merced School Employees Federal Credit Union | 93% | 117 / 126 | 97% | $75K | 114 |
| 3 | Travis Credit Union | 74% | 69 / 93 | 100% | $55K | 69 |
| 4 | Spring Eq, LLC | 41% | 38 / 93 | 97% | $65K | 37 |
| 5 | Educational Employees Credit Union | 56% | 44 / 79 | 89% | $85K | 39 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 86 more lenders.
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You are seeing the 5 largest home improvement loan lenders in Merced County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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